Jan 24, 2014, 5:20 pm
Last edit by: mia
The thread was split on September 24, 2014 for technical reasons. This version of the Wikipost is frozen as of that date. Please click HERE to read the newer posts and the most current Wikipost.
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For questions NOT related to the application process - such as experiences using benefits - refer to the AA forum thread on this card: AA Citibank Executive / AAdvantage World Elite MasterCard (Master Thread)
Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer for some Citi cards. [B]We do not know, and Citi has not indicated, how long these offers will last. Citi has left other offers alive for over a year beyond the 'apply by' date in the past. These links could be here all year or gone tomorrow. If the application loads, it is good, based on past Citi applications that survived past the landing page expiration, regardless of any posted or advertised 'apply by' date.
MOST CURRENT LINKS:
As of 8/19/14, the 60K+ links are no longer working, and give the following error:
[This link stopped working for a few days in July but seems to be working again] Many thanks to LM225 - Citi AA Executive Personal Mastercard, 100,000 miles after $10,000 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $200 in statement credits. $450 annual fee, not waived. Landing page no longer loads as of 6/24.
The landing page asks for a first and last name but the application loads with or without the landing page. This is a CHIP and Signature card. If you go through the landing page, please use any referral code given to you by an AC rep.
For alternate 100K links, see Post #6084. https://www.citicards.com/cards/acq/...&screenID=3001
Many thanks to lobo411 - Citi AA Executive Personal Mastercard, 75,000 miles after $7500 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $100 in statement credits. $450 annual fee, not waived. No landing page. This is a CHIP and Signature card. Bonus confirmed in posts 136 and 142. Still working: There is also a public version of this offer Citi AA Mastercard, 75,000 miles, Landing page available here. HT Belllaaa.
Many thanks to cerealmarketer - Citi AA Executive Personal Mastercard, 60,000 miles after $5k spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests. $450 annual fee, not waived. Landing page available here. This is a CHIP and Signature card. Landing page for 60K for $5K, with $100 statement credit and application.
Current 50K public offer: (Be carefull this link is showing as 30k in citi system, use other link for 50k) Landing page for 50K for $5K spending, no statement credit and application.
New 50k offer:
Landing page for New 50K for $5K spending, no statement credit - Application Link WARNING: This landing page contains the following in the Footnotes: "American Airlines AAdvantage® bonus miles are not available if you have had a Citi Executive® / AAdvantage® World EliteTM MasterCard® opened or closed in the past 18 months." But the app link directly following it goes to a totally different app page, which is reported to be working as usual.
EXPEDITED SHIPPING
While reconsideration/application reps do not seem to be aware of this, these cards are expedited and usually arrive 1-2 days after approval.The CSR will not take a request to expedite the card.
Who is eligible for this card? Anyone as long as you can be approved for the minimum $5K credit line, subject to the standard Citi rules of 1 Citi app or card of any kind per 8 days and 2 Citi cards or apps of any kind per 65 days. It is always advisable to wait 65 days from any type of Citi denial before applying for another Citi card. Many have reported getting approved for this card in spite of having several open AA cards over the past year as well as having previously had this card.
Not sure about the 8 and 65 day rules? If your most recent application for any Citi card is less than click here - 8 days ago, you need to wait. Also, if your previous (second-to-last) Citi application is less than click here - 65 days ago, you need to wait. These are not rules published or known by Citi CSRs but rather based on thousands of Citi card applications and datapoints across several threads.
This card can be churned. Recent datapoints concerning multiple Executive cards include posts 917, 1059 and starting at 1365. For in-depth datapoints and advice on churning Citi cards, read and study the extensive wiki posts in the HH thread and the AA Plat/gold thread. Click the plus on the right hand side of the wiki if you do not see the wiki text. Datapoints for bonus points posting on multiple cards include post 2579.
Getting around the $450 annual fee: Some have been able to meet the spending requirement before the first statement posts and then cancel and have the fee refunded after the miles post. Details and datapoints include starting at post 74. T&C state that the card must be cancelled within 30 days of the fee posting to get it refunded. Potential problems with this plans include a very short (1 week or less) first "month" as well as delays in miles posting which have been reported by several FTers here http://www.flyertalk.com/forum/credi...ost-first.html. YMMV. If paying $250-$450 for a year's access to Admirals Clubs and the 60K-100K miles is a deal breaker, this card may not be for you.
Once you cancel the card (within the 37 day window of AF posting) the refund will post on the account between 1-3 business days.
Retention Bonus Offers: User have been offered the following retention bonus offers when calling to cancel the card:
- 5,000 points + $100 credit with $1,500 spend per month for 3 months 5333
- 2 additional club member passes 6862
- 1,000 bonus miles each month for 16 month, min $1k spend/month 6862
Already a member? If you already purchased an AC membership (for example, using the credit from Amex Plat) and apply and are approved for this card, AA will refund you the pro-rated AF from any time left on your membership.
When do miles post? Usually a few days after your statement closes. In some cases your statement will show the correct miles earned but will show 0 miles reported to AA. In this case see this thread.
Please post more experiences about cancelling to avoid the $450 fee
Helpful points from post #3794 and others, especially for those new to Citi:
1) Citi CSRs are clueless, so disregard everything they say that seems to contradict anything you have read on F/T. And take everything else with a big grain of salt. I was told 3 times VERY CLEARLY "You will not got your annual fee refunded" while I was cancelling, but I did get it.
2a) With Citi, if you are approved for a card, and meet the minimum spend requirement, you will get the bonus listed for the offer you applied for. Every time ! Unlike Chase or AMEX, who will send you a card, wait for you to pay the fee and spend, and then say "sorry, you don't qualify for a bonus". If Citi doesn't intend to give you the bonus, they will just deny your app. They won't even do a pull, they will just instantly deny your app. If they send you the card, and you meet the spend on time, you will get the bonus. My attorney insists I add "that could change tomorrow", but from the Big Bang thru today, that has always been true.
2b) Another helpful post discussing timeframe for meeting min spend: 6279
3) Any expectation that Citi will do things that make sense is just plain silly. They won't.
Admiral Club Access: You do not need to be flying AA that particular day of travel. (Ex: you're flying DL on the day of travel...you could still enter the AC lounge, even though you're not on an AA flight that day.) Beware, though, that individual lounges have individual rules (see the link below). Alternate rules usually come w/ Qantas lounges, not AA lounges. Furthermore, AC access "comes with" US Air access (19 locations). An authorized user does not have AC access unless they are with the primary card holder. The authorized user's card will have the "Admiral Club" language omitted from the back of their card.
For reference, an AC lounge list: http://www.aa.com/i18n/travelInforma...#admirals-club
For questions and discussions on lounge access: Help Desk: Lounge Access and Lounge Access Rules
$200 Statement Credit on any purchase:
Multiple datapoints within this thread as well as multiple confirmations from CSRs say that the $200 statement credit is for any purchase.
Also, please note that these cards do not include the 10% miles rebate offered by some other Citi AA products.
What about the EQM? AA tracks your miles earned on Executive card(s) and adds 10K Elite Qualifying Miles to your EQM balance once you earn 40,000 miles during a calendar year on Executive card(s). Any number of Executive cards can add up to the 40K, and you cannot earn more than 10K EQM each year. No redeemable miles are added, and this is of no consequence or value unless you will also earn at least 15K additional EQM in a given year by flying and 10K will bump you up to the next status level.
Direct phone number to Citi Fraud Prevention department: +18664705331
Concierge service enrollment (allows for electronic requests). Concierge number is +18778812668
Here are the minimum credit limit required amounts in order to keep an account open (for purposes of new card applications and reconsiderations)
Citi Amex 1k (likely citi gold as well)
Citi Visa signature/world MasterCard 3k
Citi World elite Mastercards (including exec) 5k
Advice to those new to citi American Airlines cards,
If you are just starting out please apply and use the lower level citi AA card for a while before moving on to this thread and card. This will help you in the long run in more ways than one. Most of us here have opened and used lower level AA cards before moving on to this thread and card
Also,
Check out this thread
http://www.flyertalk.com/forum/citi-...ost-first.html
-----------------------------------
For questions NOT related to the application process - such as experiences using benefits - refer to the AA forum thread on this card: AA Citibank Executive / AAdvantage World Elite MasterCard (Master Thread)
Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer for some Citi cards. [B]We do not know, and Citi has not indicated, how long these offers will last. Citi has left other offers alive for over a year beyond the 'apply by' date in the past. These links could be here all year or gone tomorrow. If the application loads, it is good, based on past Citi applications that survived past the landing page expiration, regardless of any posted or advertised 'apply by' date.
MOST CURRENT LINKS:
As of 8/19/14, the 60K+ links are no longer working, and give the following error:
A system error has caused a delay in processing your application. Please try again later.
[This link stopped working for a few days in July but seems to be working again] Many thanks to LM225 - Citi AA Executive Personal Mastercard, 100,000 miles after $10,000 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $200 in statement credits. $450 annual fee, not waived. Landing page no longer loads as of 6/24.
Current 50K public offer: (Be carefull this link is showing as 30k in citi system, use other link for 50k) Landing page for 50K for $5K spending, no statement credit and application.
New 50k offer:
Landing page for New 50K for $5K spending, no statement credit - Application Link WARNING: This landing page contains the following in the Footnotes: "American Airlines AAdvantage® bonus miles are not available if you have had a Citi Executive® / AAdvantage® World EliteTM MasterCard® opened or closed in the past 18 months." But the app link directly following it goes to a totally different app page, which is reported to be working as usual.
EXPEDITED SHIPPING
While reconsideration/application reps do not seem to be aware of this, these cards are expedited and usually arrive 1-2 days after approval.The CSR will not take a request to expedite the card.
Who is eligible for this card? Anyone as long as you can be approved for the minimum $5K credit line, subject to the standard Citi rules of 1 Citi app or card of any kind per 8 days and 2 Citi cards or apps of any kind per 65 days. It is always advisable to wait 65 days from any type of Citi denial before applying for another Citi card. Many have reported getting approved for this card in spite of having several open AA cards over the past year as well as having previously had this card.
Not sure about the 8 and 65 day rules? If your most recent application for any Citi card is less than click here - 8 days ago, you need to wait. Also, if your previous (second-to-last) Citi application is less than click here - 65 days ago, you need to wait. These are not rules published or known by Citi CSRs but rather based on thousands of Citi card applications and datapoints across several threads.
This card can be churned. Recent datapoints concerning multiple Executive cards include posts 917, 1059 and starting at 1365. For in-depth datapoints and advice on churning Citi cards, read and study the extensive wiki posts in the HH thread and the AA Plat/gold thread. Click the plus on the right hand side of the wiki if you do not see the wiki text. Datapoints for bonus points posting on multiple cards include post 2579.
Getting around the $450 annual fee: Some have been able to meet the spending requirement before the first statement posts and then cancel and have the fee refunded after the miles post. Details and datapoints include starting at post 74. T&C state that the card must be cancelled within 30 days of the fee posting to get it refunded. Potential problems with this plans include a very short (1 week or less) first "month" as well as delays in miles posting which have been reported by several FTers here http://www.flyertalk.com/forum/credi...ost-first.html. YMMV. If paying $250-$450 for a year's access to Admirals Clubs and the 60K-100K miles is a deal breaker, this card may not be for you.
Once you cancel the card (within the 37 day window of AF posting) the refund will post on the account between 1-3 business days.
Retention Bonus Offers: User have been offered the following retention bonus offers when calling to cancel the card:
- 5,000 points + $100 credit with $1,500 spend per month for 3 months 5333
- 2 additional club member passes 6862
- 1,000 bonus miles each month for 16 month, min $1k spend/month 6862
Already a member? If you already purchased an AC membership (for example, using the credit from Amex Plat) and apply and are approved for this card, AA will refund you the pro-rated AF from any time left on your membership.
When do miles post? Usually a few days after your statement closes. In some cases your statement will show the correct miles earned but will show 0 miles reported to AA. In this case see this thread.
Please post more experiences about cancelling to avoid the $450 fee
Helpful points from post #3794 and others, especially for those new to Citi:
1) Citi CSRs are clueless, so disregard everything they say that seems to contradict anything you have read on F/T. And take everything else with a big grain of salt. I was told 3 times VERY CLEARLY "You will not got your annual fee refunded" while I was cancelling, but I did get it.
2a) With Citi, if you are approved for a card, and meet the minimum spend requirement, you will get the bonus listed for the offer you applied for. Every time ! Unlike Chase or AMEX, who will send you a card, wait for you to pay the fee and spend, and then say "sorry, you don't qualify for a bonus". If Citi doesn't intend to give you the bonus, they will just deny your app. They won't even do a pull, they will just instantly deny your app. If they send you the card, and you meet the spend on time, you will get the bonus. My attorney insists I add "that could change tomorrow", but from the Big Bang thru today, that has always been true.
2b) Another helpful post discussing timeframe for meeting min spend: 6279
3) Any expectation that Citi will do things that make sense is just plain silly. They won't.
Citibank Contacts/Resources
- Application status: https://www.accountonline.com/cards/...?screenID=3187
- (800) 695-5171 – Personal Application Status and Reconsideration Line with live rep
- (800) 763-9795 – General Personal Application Inquiries with live rep
- (866) 606-2787 – General Application and Account Questions with live rep
- (888) 201-4523 – Application status
- (866) 606-2961 – Reconsideration Line.
- Twitter : @AskCiti. Very powerful tool.
- Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117
For reference, an AC lounge list: http://www.aa.com/i18n/travelInforma...#admirals-club
For questions and discussions on lounge access: Help Desk: Lounge Access and Lounge Access Rules
$200 Statement Credit on any purchase:
Multiple datapoints within this thread as well as multiple confirmations from CSRs say that the $200 statement credit is for any purchase.
Also, please note that these cards do not include the 10% miles rebate offered by some other Citi AA products.
What about the EQM? AA tracks your miles earned on Executive card(s) and adds 10K Elite Qualifying Miles to your EQM balance once you earn 40,000 miles during a calendar year on Executive card(s). Any number of Executive cards can add up to the 40K, and you cannot earn more than 10K EQM each year. No redeemable miles are added, and this is of no consequence or value unless you will also earn at least 15K additional EQM in a given year by flying and 10K will bump you up to the next status level.
Direct phone number to Citi Fraud Prevention department: +18664705331
Concierge service enrollment (allows for electronic requests). Concierge number is +18778812668
Here are the minimum credit limit required amounts in order to keep an account open (for purposes of new card applications and reconsiderations)
Citi Amex 1k (likely citi gold as well)
Citi Visa signature/world MasterCard 3k
Citi World elite Mastercards (including exec) 5k
Advice to those new to citi American Airlines cards,
If you are just starting out please apply and use the lower level citi AA card for a while before moving on to this thread and card. This will help you in the long run in more ways than one. Most of us here have opened and used lower level AA cards before moving on to this thread and card
Also,
Check out this thread
http://www.flyertalk.com/forum/citi-...ost-first.html
Citi Executive AA MasterCard [October 2013 - September 2014]
Aug 9, 2014, 11:01 am
#8551
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Dig up your original app id and reference that with the email scan to the address I provided. If it gets attached to that card, fraud should be able to see it.
Aug 9, 2014, 11:06 am
#8552
Join Date: Jul 2014
Posts: 197
2 Citi Executive cards
I got approved for two Citi Exec cards, one with 100k and another for 75k bonus offers.
My Citi Exec card#1 (w/ 100k bonus) first statement posted on 8/7. I had already paid down almost all of the balance before the statement was cut, leaving $550 in balance. The balance included the $450 fee and the statement credit that was also posted. In addition, it is written on the statement that 112,000k miles reported to AA. My SO inadvertently called in and paid the balance of $550 not knowing that I plan to close this card, basically paying off the AF and went and charged another $1200 (she is the AU), which will likely appear in the second statement that will cut on 9/5.
I have already met my spending requirement on the Citi Exec card#2 (w/ 75k bonus). The first statement on this card will cut on 8/20. I plan to pay it down also, leaving $450 in balance.
I was planning on closing the first Citi Exec card and keeping the second one open, since we plan to travel overseas next year in summer and returning in August. That way I would have taken advantage of Admiral Club before calling in for any retention offer next July.
I would like to get your opinions on these questions:
1) is it still possible to cancel the Citi Exec card#1 and get the AF refunded, despite the fact that I have paid the balance (including the AF) AND have an additional balance of $1200 posted after 8/7?
2) Shall I leave the Citi Exec #1 alone and wait for Citi Exec#2 statement to cut and close it once AF is posted?
3) is it advisable to leave exactly $450 in balance (for Citi Exec#2) and pay down the rest, before the statement close on 8/20?
My Citi Exec card#1 (w/ 100k bonus) first statement posted on 8/7. I had already paid down almost all of the balance before the statement was cut, leaving $550 in balance. The balance included the $450 fee and the statement credit that was also posted. In addition, it is written on the statement that 112,000k miles reported to AA. My SO inadvertently called in and paid the balance of $550 not knowing that I plan to close this card, basically paying off the AF and went and charged another $1200 (she is the AU), which will likely appear in the second statement that will cut on 9/5.
I have already met my spending requirement on the Citi Exec card#2 (w/ 75k bonus). The first statement on this card will cut on 8/20. I plan to pay it down also, leaving $450 in balance.
I was planning on closing the first Citi Exec card and keeping the second one open, since we plan to travel overseas next year in summer and returning in August. That way I would have taken advantage of Admiral Club before calling in for any retention offer next July.
I would like to get your opinions on these questions:
1) is it still possible to cancel the Citi Exec card#1 and get the AF refunded, despite the fact that I have paid the balance (including the AF) AND have an additional balance of $1200 posted after 8/7?
2) Shall I leave the Citi Exec #1 alone and wait for Citi Exec#2 statement to cut and close it once AF is posted?
3) is it advisable to leave exactly $450 in balance (for Citi Exec#2) and pay down the rest, before the statement close on 8/20?
Aug 9, 2014, 11:12 am
#8553
Join Date: Oct 2011
Location: North Carolina
Posts: 613
I got approved for two Citi Exec cards, one with 100k and another for 75k bonus offers.
My Citi Exec card#1 (w/ 100k bonus) first statement posted on 8/7. I had already paid down almost all of the balance before the statement was cut, leaving $550 in balance. The balance included the $450 fee and the statement credit that was also posted. In addition, it is written on the statement that 112,000k miles reported to AA. My SO inadvertently called in and paid the balance of $550 not knowing that I plan to close this card, basically paying off the AF and went and charged another $1200 (she is the AU), which will likely appear in the second statement that will cut on 9/5.
I have already met my spending requirement on the Citi Exec card#2 (w/ 75k bonus). The first statement on this card will cut on 8/20. I plan to pay it down also, leaving $450 in balance.
I was planning on closing the first Citi Exec card and keeping the second one open, since we plan to travel overseas next year in summer and returning in August. That way I would have taken advantage of Admiral Club before calling in for any retention offer next July.
I would like to get your opinions on these questions:
1) is it still possible to cancel the Citi Exec card#1 and get the AF refunded, despite the fact that I have paid the balance (including the AF) AND have an additional balance of $1200 posted after 8/7?
2) Shall I leave the Citi Exec #1 alone and wait for Citi Exec#2 statement to cut and close it once AF is posted?
3) is it advisable to leave exactly $450 in balance (for Citi Exec#2) and pay down the rest, before the statement close on 8/20?
My Citi Exec card#1 (w/ 100k bonus) first statement posted on 8/7. I had already paid down almost all of the balance before the statement was cut, leaving $550 in balance. The balance included the $450 fee and the statement credit that was also posted. In addition, it is written on the statement that 112,000k miles reported to AA. My SO inadvertently called in and paid the balance of $550 not knowing that I plan to close this card, basically paying off the AF and went and charged another $1200 (she is the AU), which will likely appear in the second statement that will cut on 9/5.
I have already met my spending requirement on the Citi Exec card#2 (w/ 75k bonus). The first statement on this card will cut on 8/20. I plan to pay it down also, leaving $450 in balance.
I was planning on closing the first Citi Exec card and keeping the second one open, since we plan to travel overseas next year in summer and returning in August. That way I would have taken advantage of Admiral Club before calling in for any retention offer next July.
I would like to get your opinions on these questions:
1) is it still possible to cancel the Citi Exec card#1 and get the AF refunded, despite the fact that I have paid the balance (including the AF) AND have an additional balance of $1200 posted after 8/7?
2) Shall I leave the Citi Exec #1 alone and wait for Citi Exec#2 statement to cut and close it once AF is posted?
3) is it advisable to leave exactly $450 in balance (for Citi Exec#2) and pay down the rest, before the statement close on 8/20?
Aug 9, 2014, 12:27 pm
#8554
Join Date: Jul 2014
Posts: 197
Thanks- Is it better to call to cancel or send SM? My Citi#1 has 17.5k and #2 has 15k CL. Do you think it make sense to transfer some CL (how much?) from card#1 to card#2, since I plan to keep #2 for at least a year?
Aug 9, 2014, 12:35 pm
#8555
Join Date: Oct 2011
Location: North Carolina
Posts: 613
Why keep card #2? You can join Admirals Club at anytime.
Aug 9, 2014, 2:00 pm
#8557
Join Date: Jan 2014
Posts: 1,269
I currently have a Platinum and an Executive card. The T&C of the card says it will take 8-10 weeks after you meet the minimum spend for the miles to post on AA.
Is this true ? Do people close their accounts after first statement(to avoid AF) even though miles haven't showed up on their AA account ?
Is this true ? Do people close their accounts after first statement(to avoid AF) even though miles haven't showed up on their AA account ?
Aug 10, 2014, 1:12 am
#8558
Suspended
Join Date: Jul 2007
Location: PHL
Posts: 10,060
SM worked great for mine and my dad. For some reason, it doesn't work for my wife's. Everytime we sent out SM from her account, we always got no respond. I just called CSR to close her account despite sending the SM 2 days ago. I pity the CSR for having the balls to tell me that I can't close card via SM when I did just that multiple of times using my account.
Aug 10, 2014, 9:10 am
#8559
Join Date: Jul 2014
Posts: 197
Downgrading instead of cancelling
Instead of cancelling their Citi Exec card, has anyone tried to downgrade it and still got AF credited/refunded?
Citi downgrade cards for $300 cashback
Citi downgrade cards for $300 cashback
Aug 10, 2014, 10:15 am
#8560
Join Date: Jan 2014
Posts: 1,269
Instead of cancelling their Citi Exec card, has anyone tried to downgrade it and still got AF credited/refunded?
Citi downgrade cards for $300 cashback
Citi downgrade cards for $300 cashback
Fwiw, the 6th comment in the link you posted says Citi won't allow downgrades on the Exec card.
Aug 10, 2014, 10:53 am
#8561
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
Why did citi pick this month to extend the statement closing date by 2 days?
Aug 10, 2014, 12:47 pm
#8562
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
Aug 10, 2014, 3:31 pm
#8563
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
I bet you're right. It just leaves very little margin for getting the AF refunded.
Aug 10, 2014, 8:50 pm
#8564
Join Date: Apr 2014
Posts: 1,273
Spouse's account still frozen. Day 10. Second cycle just closed. Suppose they post the AF to the frozen card?? Asshats.
Aug 11, 2014, 6:00 am
#8565
Join Date: May 2014
Location: Central VA/LYH/ROA
Programs: BA, AA, SPG, HLTN, ETC
Posts: 365
I suppose when paying the card on the phone via debit you have to speak to a csr right? It's not automated?
Had anyone had any issues with them looking at your account and scrutinizing your spending or questioning anything that may appear obviously MS?
Had anyone had any issues with them looking at your account and scrutinizing your spending or questioning anything that may appear obviously MS?